Isabella Bank Corporation (ISBA) vs John Marshall Bancorp, Inc. (JMSB)

Isabella Bank Corporation and John Marshall Bancorp, Inc. are both Banks Regional companies. Isabella Bank Corporation and John Marshall Bancorp, Inc. are of similar size ($345.0M and $323.2M). John Marshall Bancorp, Inc. trades at the lower P/E: 13.2× against 13.9×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.4% against 5.51%. John Marshall Bancorp, Inc. has the higher net margin (20.3% vs 17.5%) and the lower return on invested capital (8.35% vs 12.5%). Both pay a dividend; Isabella Bank Corporation yields more (2.80% vs 1.22%). Across the 19 metrics below, Isabella Bank Corporation leads on 11 and John Marshall Bancorp, Inc. on 8.

Valuation

Metric ISBA JMSB Banks Regional median
P/E 13.92 13.23 12.02
P/S 2.51 2.68 2.36
P/B 1.24 1.17 1.23
Price to free cash flow 11.21 14.89 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.19% 7.56% 8.21%
Free cash flow yield 8.92% 6.72% 9.23%

Profitability

Metric ISBA JMSB Banks Regional median
Gross margin 72.87% 56.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.50% 20.33% 18.82%
Free cash flow margin 22.35% 18.03% 17.97%
Return on equity 9.02% 9.23% 10.28%
Return on assets 0.95% 1.04% 1.13%
Return on invested capital 12.45% 8.35% 8.45%

Growth

Metric ISBA JMSB Banks Regional median
Revenue growth (TTM) 11.39% 5.51% 6.37%
EPS growth (last fiscal year) 37.63% 24.17% 18.85%
Revenue growth, 5-year CAGR 7.34% 14.61% 12.65%
Net income growth, 5-year CAGR 11.68% 2.77% 9.81%

Health

Metric ISBA JMSB Banks Regional median
Debt to equity 0.12 0.44 0.17
Current ratio 0.85 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA JMSB Banks Regional median
Dividend yield 2.80% 1.22% 2.49%
Payout ratio 0.39 0.16 0.29

Size

Metric ISBA JMSB Banks Regional median
Market cap 344.95m 323.17m 934.85m

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